How long will the Penalty APR apply? If your APRs are increased for either of these reasons, the Penalty APR
will apply until you make six consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest
on purchases if you pay your entire balance by the due date each month. We will begin charging interest on
cash advances and balance transfers as of the transaction date.

Minimum Interest Charge

None

For Credit Card tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer
Financial Protection Bureau at
www.consumerfinance.gov/learnmore.

Balance Transfer: None
Cash Advance: Either $10 or 3% of the amount of each transfer, whichever is greater. (no fee for cash
advances taken at any SAFE ATM, through CALL-24 Phone banking, or through SAFE Online Banking).
Foreign Transaction: None

Balance Transfer: None
Cash Advance: Either $10 or 3% of the amount of each transfer, whichever is greater. (no fee for cash
advances taken at any SAFE ATM, through CALL-24 Phone banking, or through SAFE Online Banking).
Foreign Transaction: Up to
1% of each transaction in U.S. dollars.

Visa
® Business Credit Card

Balance Transfer: None
Cash Advance: None
Foreign Transaction: Up to
1% of each transaction in U.S. dollars.

Penalty Fees

Late Payment:$15 or the current minimum payment amount, whichever is less.
Returned Payment: Up to
$10.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

1 Introductory APR is available to well-qualified applicants only.
2 Share Secured credit cards are secured by a pledge of specific funds held on deposit in a share account
at SAFE Credit Union.

NMLS #466072

Insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full
faith and credit of the United States Government. National Credit Union Administration, a U.S. Government
Agency.

Third Party Link

If you click "continue" below, you will be directed to a third party's web site. As a member service, SAFE Credit Union offers links to web sites of third parties whose products or services we believe offer good value and may be of interest to you. In some cases, if allowed by law, SAFE CU may receive compensation from third parties whose products or services you purchase. Third parties are solely responsible for their web sites, products and services, and maintain their own consumer data privacy policies, which may differ from those of SAFE Credit Union. Use of third party services, products and web sites is solely at your discretion. To go to a third party web site, click "continue." To go back to SAFE Credit Union's web site, click "close."